US Patent No: 5,974,146

Number of patents in Portfolio can not be more than 2000

Real time bank-centric universal payment system

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Abstract

An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DATATREASURY CORPORATIONPLANO, TX15
HEWLETT-PACKARD COMPANYPALO ALTO, CA2944

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bartlett, Rick Saratoga, CA 2 222
Ercole, Richard Westerville, OH 2 222
Fontana, Fabio Mountain View, CA 4 222
Fredelake, Jodie M Columbus, OH 2 222
Geer, Terry L Baltimore, OH 8 737
James, David L Biloxi, MS 10 380
Lampru, Paul Roswell, GA 2 222
Murphy, Robert W Layfayette, CA 10 336
Randle, William Bexley, OH 2 222
Roman, Dennis Novato, CA 2 222
Rosenberg, Ruth Layfayette, CA 5 259
Tran, Tuong T Mountain View, CA 2 222

Cited Art

Patent Info (Count) # Cites Year
 
BMC RESOURCES, INC. (2)
5,652,786 Automated interactive bill payment system 216 1996
5,715,298 Automated interactive bill payment system using debit cards 164 1997
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 182 1994
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1150 1989
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
5,465,206 Electronic bill pay system 618 1993

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
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7,165,052 Payment service method and system 15 2001
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7,398,252 Automated group payment 24 2001
7,266,533 Electronic gift greeting 12 2001
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7,596,529 Buttons for person to person payments 0 2002
7,107,249 Electronic identifier payment systems and methods 56 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 7 2002
7,130,817 Electronic gift linking 10 2002
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7,117,183 Airline ticket payment and reservation system and methods 13 2004
7,641,109 Money transfer cards, systems and methods 2 2005
7,392,940 In-lane money transfer systems and methods 1 2005
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
7,512,552 Electronic gift linking 7 2006
7,930,216 Method for making an online payment through a payment enabler system 0 2006
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7,908,179 Electronic gift linking 1 2007
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7,753,267 In-lane money transfer systems and methods 1 2008
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7,653,598 Payment processing with selection of a processing parameter 1 2003
7,657,484 Electronic bill presentment via a wide area communications network 4 2003
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COINSTAR, INC. (20)
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7,653,599 Methods and systems for exchanging and/or transferring various forms of value 9 2003
6,957,746 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 14 2003
7,014,108 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 19 2003
7,815,071 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 0 2004
7,131,580 Coin counter and voucher dispensing machine and method 22 2005
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MICROSOFT CORPORATION (9)
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7,636,689 Consumer-based system and method for managing and paying electronic billing statements 4 2004
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SOFTBANKBB CORPORATION (6)
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VISA U.S.A. INC. (6)
7,822,679 Method and system for conducting a commercial transaction between a buyer and a seller 2 2001
8,190,530 Method and system for providing multiple services via a point-of-sale portal architecture 1 2002
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7,571,141 Method and system for facilitating payment transactions using access devices 2 2007
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7,711,621 Method and system for facilitating payment transactions using access devices 8 2007
 
CHECKFREE SERVICES CORPORATION (5)
7,792,749 Dynamic biller list generation 3 2000
7,953,660 Method and system for payment processing 0 2001
7,502,749 Method and system for making a monetary gift 3 2001
7,177,846 Technique for account authentication 15 2002
7,660,766 Technique for information flow to payees 2 2003
 
ACCENTURE GLOBAL SERVICES LIMITED (4)
7,562,032 Ordering items of playable content or other works 18 2001
7,478,061 Automated audit process 0 2002
7,895,068 Transitive trust network 0 2006
8,326,709 Automated audit process 0 2008
 
DIEBOLD, INCORPORATED (4)
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GOLDMAN SACHS & CO. (4)
8,140,415 Automated global risk management 0 2001
7,899,722 Correspondent bank registry 0 2002
8,209,246 Proprietary risk management clearinghouse 1 2003
8,121,937 Gaming industry risk management clearinghouse 0 2003
 
METAVANTE CORPORATION (4)
7,945,491 Integrated systems for electronic bill presentment and payment 1 2000
7,734,543 Electronic bill presentment and payment system 0 2001
7,370,014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 2 2001
7,958,049 System and method for obtaining customer bill information and facilitating bill payment at biller websites 3 2003
 
ORACLE INTERNATIONAL CORPORATION (4)
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7,814,012 Aggregated postal billing and payment methods and systems 32 2003
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UNITED PARCEL SERVICE OF AMERICA, INC. (4)
7,249,069 International cash-on-delivery system and method 17 2001
7,853,536 Systems and methods for virtual inventory management 2 2004
7,761,348 Systems and methods for consolidated global shipping 2 2004
7,895,092 Systems and methods for integrated global shipping and visibility 3 2009
 
PRECASH, INC. (3)
6,185,545 Electronic payment system utilizing intermediary account 143 1999
8,086,530 Electronic payment system utilizing intermediary account 0 2000
8,234,214 System and method for facilitating large scale payment transactions 0 2011
 
UPAID SYSTEMS, LTD. (3)
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ZILOS NETWORKING LIMITED LIABILITY COMPANY (3)
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CITICORP DEVELOPMENT CENTER, INC. (2)
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COMPUCREDIT INTELLECTUAL PROPERTY HOLDINGS CORP. II (2)
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CONVERGEX GROUP, LLC (2)
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EBAY INC. (2)
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FISERV, INC. (2)
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MAZOOMA TECHNICAL SERVICES, INC. (2)
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PAYPAL INTERNATIONAL LIMITED (2)
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VIEWPOINTE CLEARING, SETTLEMENT & ASSOCIATION SERVICES, LLC (2)
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8,364,562 System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house 0 2008
 
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WESTERN UNION FINANCIAL SERVICES, INC. (2)
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ACXSYS CORPORATION (1)
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E.E. SYSTEM CORPORATION (1)
8,041,646 Method and system for real time online debit transactions 0 2006
 
FELSHER, DAVID P., MR. (1)
7,181,017 System and method for secure three-party communications 229 2002
 
FEXCO (1)
7,458,507 ATM machine and methods with currency conversion capabilities 14 2007
 
FIRST DATA MERCHANT SERVICES (1)
7,219,832 ATM machine and methods with currency conversion capabilities 6 2005
 
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HUNTINGTON BANCSHARES INCORPORATED (1)
6,594,647 Real time bank-centric universal payment system 25 2000
 
Integrated Technological Systems, Inc. (1)
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INTEL CORPORATION (1)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
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OneCore Financial Network, Inc. (1)
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PAXERA CORP. (1)
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SIEBEL SYSTEMS, INC. (1)
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Simplus (Proprietary) Limited (1)
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STANDARD CHARTERED (CT) PLC (1)
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UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
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Unpaid Systems, Ltd. (Paris, FR) (1)
6,381,316 Enhanced communication platform and related communication method using the platform 78 2001
 
Other [Check patent profile for assignment information] (8)
8,296,228 Dual transaction authorization system and method 0 2000
7,587,368 Information record infrastructure, system and method 42 2001
7,734,527 Method and apparatus for making secure electronic payments 3 2002
7,748,614 Transaction system and method 16 2007
RE42820 Bank deposit method 0 2009
8,302,852 Money management network 0 2010
8,229,855 Method and system for facilitating payment transactions using access devices 0 2011
RE43888 Bank deposit method 0 2011